According to insurer MORE TH>N you would be covered if you put the wrong fuel in your car and damaged the engine. But if you broke down as a result you would need to have breakdown cover in place to rescue you.

Some insurers will not specifically cover misfuelling in their policies. Those insurers who do not cover mis-fuelling – for example, Churchill and Direct Line - will cover it under accidental damage. However, other insurers - like Aviva - have said that they do cover mis-fuelling in their policies.

You also have the right to complain to the Financial Ombudsman Service if you were not told about the exclusion when you were sold your insurance.

Motorists should check with their provider to see if they are covered for mis-fuelling in their policy, or if it comes under accidental damage. You should also be covered by your breakdown provider in the event of mis-fuelling and then breaking down as a result.

What should you do if you fill your car with the wrong fuel?

Firstly, don't start the engine. Insurers could possibly refuse to pay out if a motorist knowingly drives their vehicle with the wrong fuel in it. You should notify the petrol station and breakdown company immediately.

It can cost £300 for a fuel drain but if the car is driven the cost of repairs could rise to £5,000.